Long-term rental financing for investment properties across Nebraska — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Nebraska metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Nebraska is anchored by Omaha's Fortune-500 employer base (Berkshire Hathaway, Mutual of Omaha, Union Pacific) plus fintech growth. Lincoln adds state-capital + UNL stability. Yields make sense for income-focused portfolios.
Omaha is home to Berkshire Hathaway, Mutual of Omaha, Union Pacific, and a growing fintech and data-center cluster. Stable long-term employment drives rental demand.
Lincoln (UNL) and Bellevue (Offutt AFB) provide stable university- and military-anchored demand across the metro belt.
Nebraska acquisition basis stays affordable relative to gross rents. Cash-on-cash yields make sense for portfolio investors focused on income.
Whether you're closing a single-asset SFR in a smaller Nebraska market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Douglas + Sarpy counties — insurance + fintech hub
Lancaster County — state capital + Nebraska Huskers
Sarpy County — Offutt AFB demand
Hall County — Central Nebraska
Buffalo County — UNK + agriculture
Eastern Nebraska secondary markets
Sarpy County — fastest-growing Omaha suburbs
Statewide coverage — send us any Nebraska property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Nebraska properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Nebraska — Omaha Metro, Lincoln, Bellevue, Grand Island, Kearney, and every other NE metro. Rates from 5.75%, up to 80% LTV.
Nebraska DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Nebraska metro. High-volume markets: Omaha Metro, Lincoln, Bellevue, Grand Island, Kearney. Secondary markets welcome.
Nebraska is anchored by Omaha's Fortune-500 employer base (Berkshire Hathaway, Mutual of Omaha, Union Pacific) plus fintech growth. Lincoln adds state-capital + UNL stability. Yields make sense for income-focused portfolios.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Nebraska DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Nebraska metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Nebraska builders. 85% land + 85% build. $100K–$7.5M.